Kentucky Health Insurance Regulations

Kentucky does not have as many health insurance regulations as other states - which means it's important to know them well.

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Kentucky health insurance laws

Kentucky health insurance laws require that health insurance policies include the following:

  • guaranteed renewability provision
  • exclusion period for pre-existing conditions of no more than 12 months.
  • 31 day coverage for newborns and adopted children

Kentucky health insurance regulations

Kentucky health insurance companies can:

  • deny you health insurance on the basis of your health and age
  • charge you higher premiums on the basis of your health and age

Kentucky health insurance companies are prohibited from:

  • terminating an existing health insurance policy due to illness.

Kentucky health insurance companies must offer a state standardized health insurance policy if they are selling you insurance.

Kentucky health insurance: temporary policies

Conversion plans are available for temporary Kentucky health insurance.

Other KY health insurance info

If you want more help getting a good health insurance policy, read our guide to health insurance.

Or check out our guide to Kentucky small business health insurance.


For more on KY health insurance, visit the official website of the Kentucky Office of Insurance.

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